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I.   CASH LOANS WITH FX CLAUSE

Loan Criteria: Bank cash loans granted to citizens of the Republic of Serbia with regular personal income, foreign nationals with  resident status and regular personal income and pensioners as well.

Amount: up to EUR 10,000, with a minimum monthly installment cannot be less than 10 EUR. Loans are implemented in the RSD counter value by official average exchange rate of NBS for EUR. 

Loan tenor depends on the loan amount to the following:

· For loan amounts to the RSD equivalent 1.500 EUR, the maximum period of approval of loan is 60 months;

· For loan amounts of the RSD equivalent to EUR 1501 EUR 5000, the maximum period of approval of loan is 84 months;

· For loan amounts of the RSD equivalent 5001 EUR 10,000 EUR, the maximum period of approval loan is 96 months;

Basis for approval of the loan: Loans will be approved with 30% deposit of the loan amount.

Colateral:
1. Holders of accounts at the Bank with regular monthly income,
· for amounts up to 8000 EUR in RSD counter value:
- 2 (two) promissory notes of the borrower,
- 2 (two) administrative bans of the borrower.

· for amounts over 8000 EUR in RSD counter value:
- 2 (two) promissory notes of the borrower,
- 2 (two) administrative bans of the borrower,
- Payment guarantor with 2 (two) promissory notes and 2 (two) administrative bans.

 2.  Other borrowers,
· for amounts up to 5000 EUR in RSD counter value:
- 2 (two) promissory notes of the borrower,
- 2 (two) administrative bans of the borrower.

· for amounts over 5000 EUR in RSD counter value:
- 2 (two) promissory notes of the borrower,
- 2 (two) administrative bans of the borrower,
- Payment guarantor with 2 (two) promissory notes and 2 (two) administrative bans.

 
II. CASH LOANS WITHOUT FX CLAUSE

Loan Criteria: Bank cash loans granted to citizens of the Republic of Serbia with regular personal income, foreign nationals with  resident status and regular personal income and pensioners as well.

Amount: up to EUR 10,000 in RSD counter value calculated at the official middle exchange rate of NBS for EUR, where the minimum monthly installment cannot be less than RSD 900.

Loan tenor depends on the loan amount to the following:

· for loan amounts to the RSD equivalent 1.500 EUR, the maximum period of approval of loan is 60 months 

· for loan amounts of the RSD equivalent to EUR 1501 EUR 5000, the maximum period of approval of loan is 84 months

· for loan amounts of the RSD equivalent 5001 EUR 10,000 EUR, the maximum period of approval loan is 96 months

FX clause: loans are approved in RSD, without FX clause

Basis for approval of the loan: Loans will be approved without deposit and participation.

 Colateral:
1. Holders of accounts at the Bank with regular monthly income,
· for amounts up to 8000 EUR in RSD counter value:
- 2 (two) promissory notes of the borrower,
- 2 (two) administrative bans of the borrower.

· for amounts over 8000 EUR in RSD counter value:
- 2 (two) promissory notes of the borrower,
- 2 (two) administrative bans of the borrower,
- Payment guarantor with 2 (two) promissory notes and 2 (two) administrative bans.

2.  Other borrowers
· for amounts up to 5000 EUR in RSD counter value
- 2 (two) promissory notes of the borrower
- 2 (two) administrative bans of the borrower

· for amounts over 5000 EUR in RSD counter value
- 2 (two) promissory notes of the borrower
- 2 (two) administrative bans of the borrower
- Payment guarantor with 2 (two) promissory notes and 2 (two) administrative bans